众安集团2023 中期报告

目录 Contents 页次 Pages CorporateInformation公司资料2 Chairman’sStatement主席报告4 ManagementDiscussionandAnalysis管理层讨论与分析10 IndependentReviewReport独立审阅报告26 InterimCondensedConsolidatedStatementofProfitorLoss中期简明合并损益表28 InterimCondensedConsolidatedStatementofComprehensiveIncome中期简明合并全面收益表29 InterimCondensedConsolidatedStatementofFinancialPosition中期简明合并财务状况表30 InterimCondensedConsolidatedStatementofChangesinEquity中期简明合并权益变动表32 InterimCondensedConsolidatedStatementofCashFlows中期简明合并现金流量表33 NotestoInterimCondensedConsolidatedFinancialInformation中期简明合并财务资料附注36 OtherInformation其他资料70 PropertiesHeldforDevelopmentand/orSale持作发展及╱或销售的物业76 SummaryofFinancialInformation财务资料概要92 众安集团有限公司二零二三年中期报告1 公司资料 CorporateInformation BOARDOFDIRECTORS ExecutiveDirectors MrShiZhongan(Chairman) MrZhangJiangang(ChiefExecutiveOfficer) MsShenTiaojuanMsJinNi MsShiJinfan IndependentNon-executiveDirectors ProfessorPeiKerWeiMrZhangHuaqiao MrFungCheWaiAnthony COMPANYSECRETARY MrPangHeungFai REGISTEREDOFFICE CricketSquareHutchinsDrive P.O.Box2681 GrandCaymanKY1-1111CaymanIslands HEADOFFICEINTHEPRC No.996,XiaoshaoRoadXiaoshanDistrictHangzhou ZhejiangProvincethePRC PRINCIPALPLACEOFBUSINESSINHONGKONG Room4009,40/F ChinaResourcesBuilding26HarbourRoadWanchai HongKong COMPANY’SWEBSITE www.zhongangrouphk.com PRINCIPALSHAREREGISTRARANDTRANSFEROFFICE Suntera(Cayman)LimitedSuite3204,Unit2A,Block3,BuildingD, P.O.Box1586, GardeniaCount,CamanaBay,GrandCaymanKY1-1110CaymanIslands 董执行事董会事 金妮女士 沈条娟女士 施张中坚安钢先生（（主首席席）执行官） 施金帆女士 独贝立克非伟执教行授董事 张冯化志桥伟先生 注册办事处 公彭向司辉秘先书生 CricketSquareHutchinsDrive P.O.Box2681 GrandCaymanKY1-1111CaymanIslands 中中国国总办事处 浙杭江州省 萧绍区路996号 香香港港主要营业地点 华润大厦 湾港仔湾道26号 公司网址 40楼4009室 www.zhongangrouphk.com 主要股份过户登记处 Suntera(Cayman)LimitedSuite3204,Unit2A,Block3,BuildingD, P.O.Box1586, GardeniaCount,CamanaBay,GrandCaymanKY1-1110CaymanIslands 2ZhongAnGroupLimited2023InterimReport 公司资料（续） CorporateInformation(Continued) HONGKONGBRANCHSHAREREGISTRARANDTRANSFEROFFICE TricorInvestorServicesLimited17/F,FarEastFinanceCentre16HarcourtRoad HongKong PRINCIPALBANKERS AgriculturalBankofChina IndustrialandCommercialBankofChinaPingAnBank BankofChina ChinaZheshangBank AUDITORS Ernst&Young CertifiedPublicAccountantsRegisteredPublicInterestEntityAuditor27/F,OneTaikooPlace 979King’sRoad QuarryBayHongKong INVESTORRELATIONS CapitalMarketsDepartment Email: ir@zafc.com Telephone: (852)28776991 Facsimile: (852)28776990 香港股份过户登记分处 17楼 卓香佳港证券登记有限公司夏远悫东道金1融6中号心 主中国要农往业来银行银行 中平国安工银商行银行中浙国商银行 核安永数会师计师事务所 执注业册会公计众师利益实体核数师香鲗港鱼涌 27楼 英太皇古道坊9一7座9号 电电邮：话： 资本市场部 投资者关系 传真： ir@zafc.com(852)28776991 (852)28776990 众安集团有限公司二零二三年中期报告3 主席报告 Chairman’sStatement 主席施中安 ShiZhongan,Chairman DearShareholders, OnbehalfofZhongAnGroupLimited(“ZhongAn”orthe“Company”)anditssubsidiaries(togetherthe“Group”),IampleasedtopresenttheresultsoftheGroupforthesixmonthsended30June2023(“Periodunderreview”). REVIEWOFRESULTS DuringthePeriodunderreview,theGroup’srevenuewasRMB4,078.1million,representingadecreaseofapproximately19.7%ascomparedwiththatofthecorrespondingperiodof2022;thegrossprofitwasapproximatelyRMB699.2million,representingadecreaseofapproximately59.5%ascomparedwiththatofthecorrespondingperiodof2022;theunauditedprofitwasRMB156.1million,representinganincreaseofapproximately122.2%ascomparedwiththatofthecorrespondingperiodof2022;theunauditedearningspersharewasRMB3.49cents(earningspershareforthecorrespondingperiodof2022:RMB2.44cents).TheBoardoftheCompany(the“Board”)doesnotrecommendthepaymentofanyinterimdividendforthePeriodunderreview(2022:nil). 致各位股东： 本公人司谨”）代连表同众其安附集属团公有司限（公统司称（““本众集安团”或”“）本， （欣“然回提顾呈期”本）集之团业截绩。至2023年6月30日止年度 业绩回顾 4,078.1百万元，较2022年同期减少约 19.7%；毛利约为人民币699.2百万元，较 于回顾期内，本集团的营业额为人民币 期增长约156.1百万元，较2022年同 3.49分（2022年同期每股盈利：人民币 2022年：无）。 2核0利22润年为同人期民减币少约59.5%。回顾期内未经审民币122.2%；未经审核每股盈利为人2发.4回4分顾）期。本任公何司中董期事利会息（“董事会”）不建议派 4ZhongAnGroupLimited2023InterimReport 主席报告（续） Chairman’sStatement(Continued) MARKETANDBUSINESSREVIEW Inthefirsthalfof2023,China’seconomywasgraduallyrecoveredintheprocessoftransformationandupgradingaftertheeconomyandsocietyresumedtonormalcomprehensively,andthecountrysteadilyadvancedtowardsthedirectionofhigh-qualitydevelopment.Inaddition,theoverallmacro-controlpoliciesoftherealestatemarketcontinuedarelaxedtrendsincetheendoflastyear,whiletheoperationsoftherealestatemarkethaveprogressivelyresumedtonormal,shiftingmoderatelyfromarapidgrowthinthepasttoastabledevelopment. Underthecircumstancethattheinternalandexternalenvironmentoftheindustryhasundergonequalitativeandquantitativechanges,ZhongAnGrouphasadheredtothevaluephilosophyof“stableoperationandhealthydevelopment”,overcomemarketchallengesbyactivelyadjustingitsstrategy,focusingon“guaranteeddelivery”and“stableoperations”,andproactivelycarryingoutvariousoperatingandmanagementworkstoensurethattheCompanyalwaysmaintainsasolidandhealthydevelopmenttrend.Asmoothoperationoftheguaranteedpropertydeliveryreliesmainlyonthedevelopmentandoperationcapabilitiesofrealestateenterprises,andalsothesocialresponsibilitiesshoulderedbyentities.DuringthePeriodund